What are the consequences of driving without renewing compulsory traffic insurance after it expires?
3 Answers
Consequences of not renewing expired car insurance: 1. If the compulsory traffic insurance expires and the owner fails to renew it, continuing to drive on the road, once discovered, according to the "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles," the traffic management department of the public security organ will impound the motor vehicle, notify the owner or manager to insure according to the regulations, and impose a fine of twice the minimum liability limit insurance premium that should be paid. The owner must pay the compulsory traffic insurance fee and the fine before retrieving the vehicle, which causes additional financial losses to the owner. 2. If the vehicle reaches the time for insurance renewal but the owner neglects to handle it and delays, the owner may face a rate increase when renewing the insurance later. Moreover, vehicles that have been "uninsured" for a period will require a new inspection when renewing insurance, adding to the insurance procedures and causing more trouble for the owner. 3. Not renewing car insurance after it expires poses safety risks. If an accident occurs during the uninsured period, all losses must be borne by the owner. If the owner hits a luxury car or is involved in a major accident without insurance, they will have to pay huge compensation out of pocket.
Last week, I was so busy with work that I forgot to renew my compulsory traffic insurance, and ended up driving without it. Just as I reached an intersection, I was pulled over by traffic police for a check. Since my insurance had expired without renewal, I was fined 200 yuan and had 3 points deducted from my driver's license. The most annoying part was that my car was impounded, requiring half a day to sort out. Fortunately, no accident occurred—if there had been a collision or if I had hit someone, without insurance, all compensation would have come out of my own pocket, ranging from a few thousand yuan for car repairs to hundreds of thousands for medical expenses. A friend of mine once had his compulsory insurance expire and ended up hitting an electric scooter; the other party’s hospitalization costs amounted to tens of thousands, all of which he had to pay. Also, it’s worth noting that during the annual vehicle inspection, the insurance must be valid, otherwise it won’t pass, and the car can’t be used. The lesson here is to always set a reminder and renew it a week in advance—don’t try to save that little bit of time.
I just bought a car not long ago, and my friends always remind me to renew the compulsory traffic insurance on time. Once, I drove on the road for several days in a daze, forgetting to renew the insurance after it expired. I was stopped by traffic police at the highway entrance, lectured for a long time, fined, and had points deducted. My heart was pounding. Later, I found out that driving without insurance is not just about fines. In case of an accident, all responsibility would fall on me, and the compensation amount could be terrifyingly high. For example, hitting a pedestrian could result in medical expenses that are astronomical. New drivers are advised to pay attention to the insurance expiration date and set up automatic reminders using a mobile app. Additionally, vehicle annual inspection is also tied to insurance—it won’t pass if it’s expired. I think this is about protecting yourself and others, and it’s not something to be careless about.
